How the Internet speed (bandwidth) affects stream load time and playback?

Stream playback time depends on few factors and will load slower then buffer setting if there is less bandwidth then the stream requires. If internet speed ( the better term would be available bandwidth) is 20, 50 or 100 Mbs, a stream will load in the exactly same amount of time based on the buffer setting. In case that internet speed is lower than the bandwidth required for the video stream, which is from 3 Mbs to 10 Mbs, then stream will take longer to load then the buffer time. For example, if a customer has internet speed 3 Mbs and starts HD stream that requires 10 Mbs and has 3 sec buffering, the stream will take longer then 3 sec to fill the buffer and start the playback because there is not enough bandwidth.